The Transfer Process for MCCA Refunds has Begun

March 14 2022

Categories: Business Insurance

The Transfer Process for MCCA Refunds has Begun

Eligible Michigan drivers will start seeing refund checks soon. The refund is part of auto reform legislation passed in 2019 that requires the Michigan Catastrophic Claims Association (MCCA) to issue money back to drivers.

All insurance carriers are subject to the same guidelines below and will handle the refund directly with insureds.

Statement from the Michigan Department of Insurance and Financial Services (DIFS)

Governor Gretchen Whitmer has directed the MCCA to distribute $3 billion of its $5 billion surplus to Michigan’s insurance companies so that they may issue refunds to their insureds. The MCCA was directed to return the maximum amount of surplus funds to eligible Michiganders while ensuring continuity of care for the injured. This transfer, initiated on March 9, has started the 60-day clock for insurers to distribute those refund checks or direct deposits to eligible Michiganders. 

We understand you may have questions about this refund. Below you’ll find some quick facts and resources to help answer those questions:
MCCA Refund Quick Facts: 

  • When will refunds arrive: As quickly as possible, and in no case later than May 9, 2022. 
  • Eligible vehicles: Cars, motorcycles, RVs insured for legal on-road use as of 11:59 p.m. on October 31, 2021 (the date of record). Vehicles with storage-only policies and trailers are not eligible. 
  • Refund Amount: $400 per eligible vehicle, $80 per eligible historic vehicle. 
  • Refund Method: The insurer who provided coverage to the eligible vehicle as of the date of record must send a check or direct deposit. Gift cards, credits against a balance, discounts against future premiums or other methods are not allowed. 
  • Steps consumers should take: Consumers do not have to do anything to get this refund, but they may wish to contact the insurer to provide them with up-to-date address and banking information, if necessary, to prevent potential delays. 

Criminals may try to take advantage of Michiganders with scams and fraud schemes related to the MCCA refunds. It is very important to understand that you don’t have to do anything to receive this refund; personal information should never be provided over the phone to unsolicited callers.

Additional information is available on DIFS new consumer-friendly FAQ website:


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